In which situation is no insurance license required?

In the context of insurance regulation, public adjusters are professionals who assist policyholders with insurance claims. They help ensure that claims are accurately assessed and settlements are fair, advocating solely for the interests of the policyholder. Public adjusters are generally required to be licensed, but when they are providing consulting or assistance services and not acting as intermediaries to sell insurance products, they may operate without holding an insurance license.

This situation emphasizes that the role does not involve the sale of insurance policies or acting on behalf of an insurer, which is where licensing becomes a mandatory requirement. The other options involve activities that are regulated under state insurance laws, necessitating licensure to protect consumers and ensure ethical practices in insurance sales and service. Thus, the activities of public adjusters offering claims assistance services may not always require an insurance license if they are not engaging directly in the sale of insurance.